100% atheism. Was raised some kind of protestant I forget which one, and derived tremendous spiritual and psychological relief when I realized all of that was absolute nonsense at the age of 9. I knew I was gay at the time and wouldn't come out until I was 18 or so, but my life just got a lot easier when I removed religion completely. I also recall discovering increased moral agency -- as a Christian I had been taugh…
For forgiveness, you need to actually be contrite and willing to amend your life. God loves you and wants you to heal but you need to be open to it. Also he is just, so he doesn’t exactly let you do whatever you want as you imply. There are always consequences to our actions. Further, I would argue that without living with God, you are actually freed from responsibility in moral judgements, because of the belief that…
For me, responsibility is irrevocably linked to the idea of care - caring for those other than myself makes me responsible for my actions, inasmuch as they impact those around me. That ranges from those I love (my partner, family, friends) to strangers on the street that I nonetheless "care" for, by recognizing our shared humanity. Care itself comes from the idea of finitude - specifically, the idea of fragility of life in the face of our mortal existence. If I'm being poetic, "living rightly" means a life that is spent caring for others, strengthening the bonds that link us in face of death. The consequences of our actions are felt precisely because of the finitude of our lives - all we've got is each other, and our responsibility is towards one another.
Religious morality of the other hand is best expressed in the story of Abraham being asked to sacrifice his son (it's no wonder the three major religions are called "Abrahamic"). For a deeper dive into the idea, I recommend reading Kierkegaard's retelling of this story in Fear and Trembling - to recap however, God asks Abraham to sacrifice Isaac, they travel to mountain where Abraham binds Isaac and lifts up the knife to kill him. At the last moment, God interrupts Abraham, and a ram is offered as sacrifice instead. This story, perhaps one of the most well-known stories from the Old Testament of the Christian Bible, goes directly against the idea of responsibility in moral judgments - Abraham does not falter, for he fully trusts his Lord, giving up his son in devotion to God's command. The idea of care or responsibility for ones actions is superseded by the belief that the will of God is, in fact, more important than caring for those around you. A true belief in an everlasting life presupposes a detachment from the world (as any cursory reading of writers such as Saint Augustine shows), in a way protecting and insulating the believer from truly coming to terms with the consequence of their actions (in this case, murdering their only son).
To sum it up, I just can't get behind the idea that a final judge is somehow required for having responsibility in moral judgments. In fact, the opposite is true - only through the secular faith that there is no better everlasting world can we form meaningful relationships and take full responsibility for our actions.